Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: May 8, 2012

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Insurance Question from Gatlinburg, TN

Asked on 05/08/2012

If my car has hail damage and i make a claim on it and my adjuster cuts a check with my name and my body shops name on it do i have to fix my car with If my car has hail damage and i make a claim on it and my adjuster cuts a check with my name and my body shops name on it do i have to fix my car with the money?

Answer given on May 08, 2012

When your car is damaged by hail, the insurance company will pay for the cost to repair the car, less the deductible. If the insurance company made the check payable to you and the repair shop, you would have to have the repair shop sign off of the check to be able to simply cash the check.You do have the option of having the check made out to you only. You can say you don’t know where you want to get if fixed, or say you need to save up the deductible. The insurance company should be willing to reissue the check in your name only.You do need to be aware that you will probably not be able to claim hail damage to the car if there is another storm if you do not repair the car. The insurance company most likely has photos of the car and will be able to determine if the car was repaired or not. They will not pay to repair the car for the same damages as you incurred earlier if you did not fix the car.

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